AdviserOne Accounts

AdviserOne Accounts

Investing can be complicated and time consuming. Designed to help simplify your financial life - the AdviserOne Account provides you with a dedicated NYLIFE Securities Financial Services Professional and the flexibility to choose from a wide range of investment products.

Automatic funding of life insurance policies and annuity contracts issued by New York Life Insurance and Annuity Corporation 6

Savings

Discounted brokerage commissions 7

Free dividend reinvestment of stocks and mutual funds 8

Competitive margin rate

Free checking account with no minimum amount per check 9

Please contact your Financial Services Professional for a prospectus for the particular mutual fund you are considering. Investors are asked to consider the investment objectives, risks, and charges and expenses of the investment carefully before investing. The prospectus contains this and other information about the investment company.
Please read the prospectus carefully before investing.

1 - An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.

4 - A $25.00 termination fee may be charged to accounts if this service is cancelled before 12 months.

5 - Periodic Investment Plans do not assure a profit nor do they protect against a loss in declining markets. To be effective, there must be a continuous investment regardless of fluctuating price levels. Investors should consider their financial ability to continue to make purchases through periods of low price levels.

6 - This feature should be utilized only by clients with sufficient funds in their AdviserOne account to continue to meet monthly premium payments.

7 - Trading certain securities (such as mutual funds, etc.) may generate fees that are in addition to, or in lieu of, the flat $29.95 fee.

8 - To participate in the no-fee dividend reinvestment program, the amount of the dividend must be large enough to purchase .0005 shares of the security.

9 - If the balance in the account falls below $5,000 in any month, NYLIFE Securities reserves the right to charge a $5 fee.